About MojePojištění Plateb

Accident insurance that covers risk of insured person’s long-term incapacity for work, disability or death as a result of an accident

Insurance linked to your CZK current account in KB

Four insurance programs available: Klasik/Klasik+ and Extra/Extra+

Extra/Extra+ programs also cover loss of employment risk

Insurance benefits are determined on the basis of regular payments sent from your KB current account

Based on the claim type and selected program, you or your family will receive up to CZK 10,000 a month

In case of sudden accidental death, your relatives will also receive extra prompt benefits(within 48 hours) of up to CZK 100,000

Arrange 1 or 2 insurance programs for one account – either for account holder or person with right to disposal to such account

Insurance coverage for one year with automatic renewal – up to 66 years of age (incl.) of the insured person

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Simple insurance policy process – no medical questionnaire;

Insurance also covers any events arising abroad

For the purpose of insurance benefits, a regular payment shall mean any monthly, quarterly, semi-annual or annual payments made from the given KB account to a service provider – such as:

Lease / sublease payments

Electricity and gas payments

Payments for external heatingand hot water

Water charges

Repair fund contributions

Membershipshare payments for cooperative housing

Telephone, radio, and television charges

Payment for data services – Internet

Educational and training services

Payments for parking or garage space

Other payments – only loan payments are excluded

Insurance benefits (indemnification) for claims:

Regular monthly insurance benefits

1/12 of the total annual expenses paid from a KB account in the past 12 months prior to a claim

Maximum amount limited under the selected insurance program

Benefits paid out for up to 12 months or claims duration

One-off insurance benefits

Fixed amount to be paid out to a beneficiary within 48 hours from the moment a claim is reported and all necessary documents submitted to Komerční pojišťovna

Amount of such benefits is determined on the basis of the selected insurance program

Money paid out in the form of a lump-sum payment to a specified account with any bank in the Czech Republic (bank transfer from KP)

For all insurance benefits limits for individual programs, see the following table:

Klasik

Klasik+

Death caused by an accident

50,000*+ up to 12 × 5,000

100,000*+ up to 12 × 10,000

Disability caused by an accident

up to 12 × 5 000

up to 12 × 10 000

Sick leave caused by an accident

up to 12 × 5 000

up to 12 × 10 000

Monthly fee

39 CZK

69 CZK

Extra

Extra+

Death caused by an accident

50,000*+ up to 12 × 5,000

100,000*+ up to 12 × 10,000

Disability caused by an accident

up to 12 × 5,000

up to 12 × 10,000

Sick leave caused by an accident

up to 12 × 5,000

up to 12 × 10,000

Loss of employment

up to 6 × 5,000

up to 6 × 10,000

Monthly fee

119 CZK

199 CZK

* Nonrecurring immediate support

Example

Mr. Petr had a car accident, after which he was first hospitalized for a month, subsequently spending another 7 months on a sick leave. Prior to the accident, he paid the following monthly expenditures from his current account in KB:

In case of the insurance program Klasik for CZK 39 a month, Mr. Petr will receive regular payments of CZK 5,000a month for the period of 7 months (a waiting period of 1 month applies). The total payment will thus amount to CZK 35,000.

In case of the insurance program Klasik+ for CZK 69 a month, Mr. Petr will receive regular payments of CZK 9,500a month for the period of 7 months (a waiting period of 1 month applies). The total payment will thus amount to CZK 66,500.